| Metric | Homefield Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.0% | +3.9% | -6.9 pts |
| Share growth (YoY) | +3.9% | +3.3% | +0.6 pts |
| Loan growth (YoY) | -5.8% | +2.9% | -8.7 pts |
| ROA | 0.19% | 0.69% | -0.5 pts |
| ROE | 1.8% | 5.9% | -4.1 pts |
ROA ranks in the 16th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $170.6M | $145.7M | $133.8M | $17.1M | $79K | 0.19% | 2.97% | 0.71% | 6,883 |
| Q4 2025 | $171.9M | $141.2M | $138.9M | $17.0M | $396K | 0.23% | 2.86% | 1.13% | 6,908 |
| Q3 2025 | $173.3M | $142.9M | $140.0M | $17.0M | $295K | 0.23% | 2.78% | 0.66% | 7,080 |
| Q2 2025 | $171.7M | $142.6M | $140.4M | $16.9M | $185K | 0.22% | 2.77% | 1.69% | 7,144 |
| Q1 2025 | $175.8M | $140.3M | $142.1M | $16.7M | $11K | 0.02% | 2.67% | 0.87% | 7,158 |
| Q4 2024 | $177.3M | $138.1M | $146.3M | $16.7M | $89K | 0.05% | 2.60% | 1.19% | 7,178 |
| Q3 2024 | $178.9M | $137.9M | $145.7M | $16.7M | $213 | 0.00% | 2.51% | 0.78% | 7,344 |
| Q2 2024 | $179.7M | $141.5M | $147.8M | $16.7M | $15K | 0.02% | 2.50% |
| Ratio | Homefield Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.19% | 0.69% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 5.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.97% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.27% |
| 7,419 |
Loan mix (Q1 2026): real estate $99.9M · commercial $15.3M · consumer $18.1M · securities $16.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.5% | 78.7% | 94th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Homefield Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Homefield Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Homefield Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Homefield Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.